Systems and methods for predictive and opportunistic charitable giving

A method comprising:

• coupling to, by a bank account management circuit, a financial account of a donor, including processing transactions for the account, the transactions including at least one of checking transactions and credit card transactions;
• receiving, by a donor input evaluation circuit, financial history from the account;
• analyzing, by a financial health circuit, a financial health of the donor based on the financial history;
• accessing, via an application program interface of a social media platform and using log-in information provided by the donor, a social media account of the donor associated with the social media platform;
• identifying one or more social media accounts followed by the social media account of the donor on the social media platform;
• correlating a subject of the one or more social media accounts followed by the donor with one or more charities and with a topic of interest of the donor, wherein the one or more social media accounts are separate and distinct from a social media account of one of the charities;
• utilizing screen scrape technology to obtain, from the social media account of the donor associated with the social media platform, at least one of comments posted by the donor and content tagged by the donor;
• identifying text indicative of the topic of interest of the donor utilizing keyword search mechanisms on the social media data from the social media account of the donor, wherein identifying, by the donor input evaluation circuit, the topic of interest of the donor is based in part on a detection of a predetermined minimum number of occurrences of one or more keywords in at least one of the comments posted by the donor, content tagged by the donor, and the subject of the one or more social media accounts on the social media platform, the one or more charities recommended based at least in part on the topic of interest of the donor;
• generating a list of the one or more charities to recommend to the donor and, for each charity in the list, a recommended donation amount based at least in part on the financial health of the donor;
• presenting, in a user interface of a web site served to the personal computing device or via an application running on the personal computing device, the list of the one or more charities and the recommended donation amount for each charity in the list;
• receiving a global positioning system (GPS) coordinate from a location positioning sensor of the personal computing device of the donor;
• determining, based on the GPS coordinate of the personal computing device, that the personal computing device is located within a predetermined distance from a charity in the list;
• in response to determining from the GPS coordinate of the personal computing device that the personal computing device is within the predetermined distance from the charity in the list, providing, via the user interface, an alert of an opportunity to make a donation;
• generating, within the user interface, a user selectable option to make the donation to the charity in the list recommended via the user interface;
• receiving, a selection from the donor of the user selectable option;
• receiving, by the charity recommendation circuit, a selection from the donor of a donation amount to the charity in the list;
• and
• initiating, in response to receiving the selection from the donor and by a charity selection system, a donation process from the donor to the charity associated with the user selectable option.

An apparatus, comprising:

• a donor input evaluation circuit structured to:
• couple to a financial account of a donor;
• receive a financial history from the account;
• and
• provide, via an application accessible on a personal computing device of the donor, the donor with access to the financial history from the account;
• a financial health circuit structured to analyze a financial health of the donor based on the financial history;
• and
• a charity recommendation circuit structured to:
• access, via an application program interface of a social media platform and using log-in information provided by the donor, a social media account of the donor associated with the social media platform, wherein the social media platform allows the donor to follow social media accounts associated with one or more other users of the social media platform;
• identify one or more social media accounts followed by the social media account of the donor on the social media platform;
• correlate a subject of the one or more social media accounts followed by the donor with one or more charities and with a topic of interest of the donor, wherein the one or more social media accounts are separate and distinct from a social media account of one of the charities, the one or more charities recommended based at least in part on the topic of interest of the donor;
• identify text indicative of the topic of interest of the donor utilizing keyword search mechanisms on the social media data from the social media account of the donor;
• generate a list of the one or more charities and, for each charity in the list, a recommended donation amount based at least in part on the financial health of the donor;
• present, in a user interface of a web site served to the personal computing device or via an application running on the personal computing device, the list of the one or more charities and the recommended donation amount for each charity in the list;
• retrieve, from one or more third party websites, data regarding donation opportunities for the one or more charities;
• receive a global positioning system (GPS) coordinate from a location positioning sensor of the personal computing device of the donor;
• determine, based on the GPS coordinate of the personal computing device, that the personal computing device is located within a predetermined distance from a charity in the list;
• in response to determining from the GPS coordinate of the personal computing device that the personal computing device is within the predetermined distance from the charity in the list, provide, via the user interface, an alert of an opportunity to make a donation;
• and
• generate, using the data from the one or more third party websites, a user selectable option displayable via the user interface that allows the donor to make the donation to the charity in the list presented via the user interface;
• wherein a selection of the user selectable option provided by the user interface allows the donor to initiate the donation to the charity in the list.